Nothing you read on this website should be construed as advice based upon your personal circumstances. It is not advice. The contents of this website are solely for educational purposes and should not be used for any other purpose. It should not be construed as an offering of advice or an offer to sell any financial products or services. Investments can go up as well as down, which means you could get back less than you put in. Past performance is no guarantee of future returns. If you feel you may benefit from financial advice, please seek it from a regulated and qualified professional of your own choosing (there are lots to choose from). Everything I write on here is solely my own opinion and should not be taken as the opinion of others or any organisation I may or may not be attached to. Information within my articles may be out of date by the time you read them, I do not keep all older articles updated. I am not promoting anything other than financial education.

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